Only a tiny fraction of Irish adults hold investment accounts, survey shows

According to the 2026 Consumer Sentiment Banking Survey, a mere 3% of Irish adults say they have an investment account, with participation split at 5% for men and 2% for women, and only 1% reporting crypto holdings. The study, carried out for the Department of Finance, precedes the rollout of a new Investment Account scheme slated for July, offering a tax-free allowance of €50,000 and no minimum deposit. Tánaiste Simon Harris, who described himself as a "credit union saver" with no personal investments, said the scheme aims to simplify investing for the broader public.

The survey also showed Revolut's share as a primary banking app doubling to 6%, and a 48% overall usage rate. Additionally, 21% of respondents said they have used artificial intelligence for financial advice, with usage declining with age. Traditional banks still dominate, with 86% naming AIB, Bank of Ireland or PTSB as their main provider.